Traditional horizontal search engines cannot always identify the target audience niche or vertical industry of a page or site. Vertical search engines address this issue by the nature of their design. They identify sites according to more specific criteria and sometimes even by human input.
You can design a mortgage system that is different without a Fannie and Freddie but there are principles you have to have to have a good system.
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Even as a young boy my passion was to design and I have been very lucky to be able to do what I have loved all my life. There can be few greater gifts than that.
